Posted On: September 20, 2006, 11:26 am CDT

Posted By: Leah

I have bad credit. I have also been in 3 auto accidents. None of which I was at fault. Should I because I have bad credit say...Don't fix my car, don't pay my medical bill's, don't feel like you should compensate me for pain and suffering? The first accident I was t-boned. He did not want to wait for road construction. The 2nd I was the 2nd car at a very stail red light and rear ended. The 3rd was 8/06 when I was in a center turn lane stoped waiting to make a left hand turn when a 16yr old decided dialing her phone was more important than driving and she side swiped me. So, if insurance companies would look at the real loses i.e. cell phones, elderly, young, reckless drivers and pre-occupied ones then raise their rates. Instead of waiting till they are in 3 accidents before raising their rates 10% then they could make their money. But sticking it to me because I have bad credit is discrimination and profiling. I wish there was a lawsuit against the insurance companies for inflated rates and they would be forced to refund the money to us. They have plenty of money and as the last person who hit me, mother said to me "thats why we have full coverage". So, why do we have insurnace? So, we can pay premiums that are constantly going up for no reason, and not use it because whe have BAD CREDIT? It's not bad credit its personal responsibility as to who feels driving is 1st priority or last. Just look out your windows-cell phones, food, head phones, make-up, writting, reading,ect. WAKE UP, PAY ATTENTION, PULL OVER. JUST DRIVE!!!!